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Home Loan EMI

Calculate your monthly payments and total interest costs over the loan tenure.

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Loan Amount

₹

Interest Rate %

Tenure (Years)

Monthly EMI

₹43,391

Total Interest Payable

₹54,13,879

Total Payment

₹1,04,13,879

Interest as %

52.0%

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For illustration only. Returns are assumptions, not guarantees. This is not investment advice.

How is home loan EMI calculated?

Equated Monthly Installment (EMI) is calculated using the reducing balance method. The formula is EMI = [P × r × (1 + r)^n] / [(1 + r)^n - 1], where 'P' is the principal, 'r' is the monthly interest rate, and 'n' is the number of monthly installments.

Crucially, in the early years of a home loan, the EMI goes primarily toward interest. As the principal reduces, the interest component decreases and the principal repayment increases. Understanding this 'amortization' helps in making decisions about loan prepayments, which can significantly reduce the total interest burden over the tenure.

A calculator estimates; an advisor accounts for your taxes, existing assets, and risk.

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Home Loan EMI

₹43,391

How is home loan EMI calculated?

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